14103 — Orleans County, New York Market Snapshot
Housing market data for zip code 14103 in Orleans County, New York. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$185,250
Days to Sell
18
Homes Sold
20
Inventory
14
Sale-to-List
99.4%
New Listings
30
Price/SqFt
$122
Pending Sales
28
Conforming Loan Available
Most homebuyers in 14103 can comfortably use conventional financing. The median home price of $185,250 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 14103 are moving quickly at 18 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 14103 (99.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 14103 can comfortably use conventional financing. The median home price of $185,250 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 14103 are set at the county level.
2026 Loan Limits — Orleans County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 14103
To purchase the median home at $185,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,569.
Monthly Payment
$1,569
Income Required
$67,257
Principal & Interest
$1,141/mo
Down Payment (5%)
$9,263
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 14103.
Estimated Monthly Payment
$1,296
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 14103. Tell us what you're looking for.